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Florida Merchant Services

Accept Payments. Keep More of Every Sale.

Reduce processing costs with Dual Pricing, receive a free credit card terminal with eligible programs, accept payments anywhere with a virtual terminal, and explore flexible business funding—all with personal support.

Get a Free Savings Review

Payment Solutions Built for Every Business

From everyday retail to complex high-risk industries, we help businesses accept payments, reduce costs, and grow with confidence.

01

Reduce Processing Costs to 0%*

Offer compliant cash and card pricing options that can offset eligible card-processing costs for your business.

02

Free Terminal & Virtual Terminal

Receive a free credit card terminal with eligible programs and accept secure payments in-store, online, or by phone.

03

High-Risk Merchant Accounts

Specialized processing solutions for high-risk and hard-to-place businesses, backed by experienced underwriting support.

04

Business Funding

Explore fast, flexible working capital options designed around your business performance and growth goals.

HIGH-RISK PROCESSING

Payment Solutions for High-Risk Businesses

Traditional processors said no? We work with experienced underwriting partners to review complex businesses and match them with reliable payment processing solutions.

Request an Account Review

Support for Complex Accounts

✓ Case-by-case underwriting

✓ Hard-to-place business solutions

✓ E-commerce and virtual terminal options

✓ Experienced risk and processing support

All accounts are subject to underwriting, processor approval, card-brand requirements, and applicable laws.

HIGH-RISK INDUSTRIES

Payment Processing for Complex Businesses

We work with experienced underwriting partners to help established and emerging businesses find reliable payment processing solutions.

01

Credit Repair

Payment solutions for credit repair and financial service businesses.

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02

Nutraceuticals

Processing options for supplement and wellness product businesses.

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03

Travel & Tours

Flexible payment solutions for travel agencies and tour operators.

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04

Smoke Shops & Tobacco

Merchant account options for qualifying retail businesses.

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05

Recurring Billing

Secure payment tools for memberships and subscription businesses.

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06

E-commerce

Online processing solutions with virtual terminal capabilities.

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07

Coaching & Consulting

Payment solutions for professional and online service providers.

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08

Other High-Risk Businesses

Tell us about your business and request a case-by-case review.

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Request an Account Review Email a Specialist

Industry availability varies by processor and jurisdiction. All applications are subject to underwriting, processor approval, card-brand requirements, and applicable laws.

LET’S TALK

Ready to Find the Right Payment Solution?

Contact our team for personalized help with payment processing, equipment, funding, or a high-risk merchant account.

WA

Chat on WhatsApp

Speak directly with our team for quick assistance.

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Email a Specialist

Tell us about your business and the solution you need.

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Apply Online

Submit your information for a personalized account review.

Start Your Application →
0% PROCESSING FEE PROGRAM*

Keep More with 0% Processing Fees*

Our 4% Dual Pricing program helps eligible businesses offset credit card processing costs by clearly offering customers a cash price and a card price.

  • Reduce or offset credit card processing fees
  • Free countertop terminal with eligible programs
  • Clear cash and card pricing
  • Personal setup and ongoing support
See If You Qualify
0% PROCESSING
FEES*

Estimate Your Potential Cost Offset

Move the bar to enter your approximate monthly card sales. This example is based on a 4% Dual Pricing adjustment.

Monthly card sales
$25,000
Potential monthly processing-cost offset at 4%
$1,000
Potential annual processing-cost offset
$12,000

*Estimate for illustration only and not a guarantee of savings. Program availability and results vary. Subject to eligibility, underwriting, compliant pricing configuration, monthly fees, card-brand requirements, and applicable laws.

How 0% Processing Fees Work

01

DISPLAY TWO PRICES

Your customers clearly see the available cash price and card price before completing their purchase.

02

THE CUSTOMER CHOOSES

Customers select their preferred payment method: pay the displayed cash price or use a card.

03

KEEP MORE OF EVERY SALE

The disclosed card-price adjustment helps eligible businesses offset their processing costs.

Ask About 0% Processing Fees

Accept Payments Your Way

The Right Payment Technology for Every Business

From complete POS systems and countertop terminals to mobile payments and secure online gateways, we help you choose the right solution for the way your business operates.

Modern POS system for restaurants and retail businesses
01

Complete Business Management

POS Systems

Accept payments and manage your daily operations from one powerful, easy-to-use point-of-sale system.

  • Restaurant, retail and service solutions
  • Inventory, employee and sales management
  • Countertop, dual-screen and portable options
Full POS Dual Screen Business Tools
Explore POS Systems →
Customer paying with a modern credit card terminal
02

Fast and Flexible Payments

Payment Terminals

Choose from modern countertop, wireless and SmartPOS terminals designed for fast and convenient transactions.

  • Accept tap, chip and swipe payments
  • Countertop and wireless connectivity
  • Free-terminal programs for eligible merchants*
Countertop Wireless SmartPOS
Find My Terminal →
Delivery payment using Tap to Pay on a mobile phone
03

Accept Payments Anywhere

Mobile Payments & Tap to Pay

Turn your compatible smartphone into a secure payment solution and accept payments during deliveries, appointments or on the go.

  • Tap to Pay from a compatible smartphone
  • Ideal for deliveries and mobile businesses
  • Simple payment management with iPOSgo
iPOSgo Tap to Pay On the Go
Ask About Mobile Payments →
Customer entering credit card information into a secure online payment gateway
04

Secure Online Payments

Online Payments & Gateways

Let customers securely enter their payment information through hosted payment pages, online checkout and integrated gateway tools.

  • Secure customer-entered card payments
  • Virtual terminal and online checkout options
  • Recurring billing and payment-link capabilities
Authorize.Net eProcessing Network NMI
Explore Online Payments →

Not Sure Which Solution Fits Your Business?

Speak with a payment specialist and we’ll help you compare the available equipment and processing options.

Chat on WhatsApp Email a Specialist

*Equipment and program availability varies by processor, merchant type, processing history, underwriting approval and applicable program requirements. Product names are used only to identify compatible or available solutions.

Business Funding Options
Capital to Move Your Business Forward
Explore flexible business funding options for inventory, equipment, renovations, marketing, payroll, expansion and other business needs.
01
Inventory & Supplies
Prepare for seasonal demand, purchase inventory or maintain essential business supplies.
02
Equipment
Upgrade technology, purchase necessary equipment or replace important business assets.
03
Expansion & Renovations
Renovate your location, open a new space or invest in opportunities that support growth.
04
Working Capital
Support payroll, marketing, operational expenses and other short-term business needs.
PERSONAL BUSINESS REVIEW
Funding Options Built Around Your Business
Our team works with experienced funding partners to review your business and identify available options based on its needs and performance.
✓  Simple preliminary review
✓  Multiple funding structures
✓  Flexible use of available funds
✓  Personal guidance throughout the process
Funding products are offered through third-party providers. Availability, approval, amount and terms are subject to business review and provider requirements. Florida Merchant Services is not a lender.
Why Businesses Choose Us
Payment Support That Feels Personal
Every business is different. We take the time to understand how you operate and help you explore processing solutions that fit your goals.
01
Personal Support
Speak with a real specialist who can help answer questions and guide you through available options.
02
Clear Guidance
We explain pricing, equipment and program requirements clearly so you can make an informed decision.
03
Complex Accounts
We work with experienced underwriting partners to review high-risk and hard-to-place businesses.
04
Flexible Technology
Choose from countertop, mobile, POS, virtual terminal and gateway solutions based on how you accept payments.
Not Sure Which Solution Fits Your Business?
Tell us how you accept payments and our team will help you review available options.
The People Behind Your Payments

Meet Our Team

Experienced professionals committed to providing personal support, reliable payment solutions and long-term business relationships.

Juan Jose Romero

Juan Jose Romero

Chief Executive Officer

Melinda Sagovici

Melinda Sagovici

President

Milad Soleimani

Milad Soleimani

Vice President

Esther Adamo

Esther Adamo

Manager

Jeny Estupinan

Jeny Estupinan

Manager

Aldo Saez

Aldo Saez

Sales Representative

Carmen Tami

Carmen Tami

Sales Representative

Ana Barahona

Ana Barahona

Sales Representative

Denise Espinoza

Denise Espinoza

Sales Representative

Leonardo Vendia

Leonardo Vendia

Sales Representative

Daniel Quintana

Daniel Quintana

Sales Representative

Personal Support Starts With the Right Team

Speak directly with a specialist about processing, equipment, high-risk merchant accounts or business funding.

Contact Our Team on WhatsApp
Let’s Talk About Your Business

Contact Florida Merchant Services

Whether you need payment processing, new equipment, a high-risk merchant account, or business funding, our team is ready to help.

Speak With a Payment Specialist

Contact our Miami team for personal assistance and payment solutions designed around your business.

☎ Call Us (786) 281-9405 ◉ WhatsApp Message a Specialist ⌖ Miami Office 12401 SW 134th Ct, Suite 6
Miami, FL 33186
Request a Free Review Contact Us on WhatsApp
Florida Merchant Services 12401 SW 134th Ct, Suite 6
Miami, FL 33186 Get Directions →